Places that say they support Apple Pay, but when you go in the store, they don't

[lordofthereef]

That member has made several posts a day daily for the last few weeks. If you visit this forum that much, you can't get away with not getting the memo, especially after three separate threads by another member making the same mistake and not learning from it.

Apologies. I wasn't aware you were speaking of a specific member. Your choice of words left that up for interpretation. At least that's how I read it. I thought you were generalizing.

But anyway, the "training" involved for this is so minimal, it's a damn shame companies that embrace NFC haven't done something about it.

 

[farmkittie]

It's entirely possible they tried, failed, and came here and learned. I highly doubt that they read about saying credit here and just decided to omit that part...



It's more unbelievable to me, that large companies don't send a quick memo for managers to tell their cashiers "when people want to pay with Apple pay, what they mean is run credit". That would be simple, it would go a long way to make customers happy, and it requires almost zero effort on the corporation's part.

Oh, I thought that JayLenock...(I forgot his handle) was saying that I should've known that. Because I didn't realize that. Next time I go in a store, I'll say "credit", but then the cashier may say, "yes, go ahead and slide your card..."

I've read a lot of posts about Apple Pay here at MR, but saying "credit" wasn't something that I read. My strategy is to go to the store when there aren't other customers behind me in line and then figure out how Apple Pay works (or doesn't). If I see a big NFC reader (like at Walgreen's), I just put my finger on the touch ID and I'm set. If I see a terminal that just looks like a regular card reader until an image appears on the screen (and the cashier might be punching a button on the register), I try it.

----------

Unbelievable that people continue to make this mistake and can't learn from this forum. Just say "I'd like to pay with credit."

Then they say, "ok, slide your card" if they've never heard of Apple Pay.
Also, why the rudeness? I hadn't heard about saying "credit" to reveal NFC symbol on old card reader. I've been a supporter of Apple Pay and the cashiers who haven't seen Apple Pay work are usually appreciative when I answer their questions about it.

I also post about my "adventures" with trying Apple Pay at various stores. Boring? Maybe. I like reading about what others have found about which retailer accept it. The novelty will wear off for me eventually but for now, it's interesting.
----------

[/COLOR]

Need to tell the cashier to press the credit y. She pressed the mobile key instead which shows the qr code.

Thanks. I've read quite a few MR posts about Apple Pay but I didn't see this. I will do that from now on when I see a "regular" looking card reader.

It's funny that the employee at Subway told me today, after I successfully used Apple Pay, that she'd been telling people all along that their store couldn't deal with Apple Pay. So now she will say, "yes" if anyone asks in the future. Every store I have gone to since Apple Pay launched has said that I am the first to show them (at least person who was working at then time), except for McDonald's.

 

[dontwalkhand]

Oh, I thought that JayLenock...(I forgot his handle) was saying that I should've known that. Because I didn't realize that. Next time I go in a store, I'll say "credit", but then the cashier may say, "yes, go ahead and slide your card..."

I've read a lot of posts about Apple Pay here at MR, but saying "credit" wasn't something that I read. My strategy is to go to the store when there aren't other customers behind me in line and then figure out how Apple Pay works (or doesn't). If I see a big NFC reader (like at Walgreen's), I just put my finger on the touch ID and I'm set. If I see a terminal that just looks like a regular card reader until an image appears on the screen (and the cashier might be punching a button on the register), I try it.

----------



Then they say, "ok, slide your card" if they've never heard of Apple Pay.
Also, why the rudeness? I hadn't heard about saying "credit" to reveal NFC symbol on old card reader. I've been a supporter of Apple Pay and the cashiers who haven't seen Apple Pay work are usually appreciative when I answer their questions about it.

I also post about my "adventures" with trying Apple Pay at various stores. Boring? Maybe. I like reading about what others have found about which retailer accept it. The novelty will wear off for me eventually but for now, it's interesting.
----------

[/COLOR]

Thanks. I've read quite a few MR posts about Apple Pay but I didn't see this. I will do that from now on when I see a "regular" looking card reader.

It's funny that the employee at Subway told me today, after I successfully used Apple Pay, that she'd been telling people all along that their store couldn't deal with Apple Pay. So now she will say, "yes" if anyone asks in the future. Every store I have gone to since Apple Pay launched has said that I am the first to show them (at least person who was working at then time), except for McDonald's.

I'll say this again, the symbol doesn't mayter! My local grocery store does not show the symbol, and Apple Pay works fine. Subway is a special case because the NFC chip in the PIN pad isn't enabled until the cashier presses credit. In most places the NFC CHIP is on all the time and you can tap at any time during the transaction.

 

[bushman4]

Shop where your business and convenience is appreciated! Where the method of payment you want to use is supported.
CVS and Riteaid don't offer any products prices sales or environment that isn't matched by Wslgeens or Duanereade
Service st CVS and Riteaid leaves a lot to be desired

 

[HolyGrail]

OP is the one that started that troll thread "Does Apple Pay work with EBT?"

He needs drama to boost his ego.

 

[sketdansuu]

"Over before it began?" - that is some grade A FUD right there xD 9/10

 

[GoCubsGo]

Many companies have seemed to change their minds.

Over before it began? To my knowledge, so, why is everyone deactivating Apple Pay? Does it not work correctly? And what did they do about the double charges? How long is that going to take to get sorted out?

CVS and Walgreens. Isn't it strange?

2 does not equal many.

Oh, wait my bad. I had the wrong information.

Yeah you sure did.

OP is the one that started that troll thread "Does Apple Pay work with EBT?"

He needs drama to boost his ego.

Isn't EBT that food stamp card?


Again, this is NFC. From what I know, CVS pulled out because they have a competing product. I don't like their competing product but I can't exactly blame them from not wanting to support something that would hinder the use of their product; despite it not even being ready.

 

[farmkittie]

I'll say this again, the symbol doesn't mayter! My local grocery store does not show the symbol, and Apple Pay works fine. Subway is a special case because the NFC chip in the PIN pad isn't enabled until the cashier presses credit. In most places the NFC CHIP is on all the time and you can tap at any time during the transaction.

I don't see where you said it before but ok. My mileage has varied depending on what store I'm in. Not sure why my description of the details riles you up a little but, because I'm finding almost all of the store employees haven't had anyone use Apple Pay before, I am describing each step in case anyone else runs into a similar thing.

I like reading how it worked for others in stores so I know what to expect. For example, someone told me that if I used American Express via Apple Pay in Home Depot it works but not with MasterCard via Apple Pay.

 

[DARKiLLUSiON]

Interesting how every troll vanished after they served their purpose "gets us all fire up etc"

 

[riverfreak]

Interesting how every troll vanished after they served their purpose "gets us all fire up etc"

Precisely. The intent of the thread is to plant deliberate misinformation. It doesn't matter if it is later corrected. The point is to get it out there so it can later be indexed by search engines.

The thread -- and others like them such as the one promoting a website about iPhone bending -- should be deleted and the posters banned. IMHO.

 

[brgjoe]

New here....waves hand.

First off, just wanted to say how much I really like my iPhon6. Can't imagine going back to Android. At least not with their current offerings at present.

I also had an experience where I went into Subway, the clerk didn't know a thing about Apple Pay, and just brought up that silly QR-code for me to pay. I just figured they didn't have the proper equipment to ring up Apple Pay purchases yet. Credit-y does the trick, eh? Will have them try that next time I venture into Subway then.

Only 2 places in my (albeit small) town that I have got Apple Pay to work are McDonald's and Walgreens. In both places, it works like a charm. There are places here that have NFC terminals (like Casey's General Store), but they aren't activated as of yet. Never tried it at CVS.

Nice forum..already learned something here. Thanks for the Subway tip!

 

[andyx3x]

I'm just fed up with retailers who don't take Apple Pay. It's really starting to stress me out and I can't think about anything else.

My local grocery store says they won't ever take it and do you know what that means? I refuse to shop there anymore and my wife and kids will just have to starve to death. I will not pay with cash or a credit card.

The same goes with my local drug store. Grandma's not gonna get her blood pressure medication all because the store won't take Apple Pay. Her heart might explode but that's on the store. I'll be suing them and Apple(just because) for 11 bazillion dollars if anything happens to my Me Maw.

 

[farmkittie]

New here....waves hand.

First off, just wanted to say how much I really like my iPhon6. Can't imagine going back to Android. At least not with their current offerings at present.

I also had an experience where I went into Subway, the clerk didn't know a thing about Apple Pay, and just brought up that silly QR-code for me to pay. I just figured they didn't have the proper equipment to ring up Apple Pay purchases yet. Credit-y does the trick, eh? Will have them try that next time I venture into Subway then.

Only 2 places in my (albeit small) town that I have got Apple Pay to work are McDonald's and Walgreens. In both places, it works like a charm. There are places here that have NFC terminals (like Casey's General Store), but they aren't activated as of yet. Never tried it at CVS.

Nice forum..already learned something here. Thanks for the Subway tip!

If you happen by the Subway I went to recently, and the same staff are there, they'll know not to bring up the QR code Another poster told me I just had to say "credit". Live and learn.

 

[andrewduff415]

Every Peets coffee shop in my area (San Francisco) has the NFC reader and works. You sometimes get a strange look from the teller when you pull out your phone and place it to the reader. But once it goes through i guess they get the idea.

I also find it strange that Starbucks doesn't offer apple pay yet. thought they would have that for sure.

 

[dontwalkhand]

Every Peets coffee shop in my area (San Francisco) has the NFC reader and works. You sometimes get a strange look from the teller when you pull out your phone and place it to the reader. But once it goes through i guess they get the idea.

I also find it strange that Starbucks doesn't offer apple pay yet. thought they would have that for sure.

Starbucks still takes the card from you, and doesn't have an NFC terminal...yet. I'm sure they will soon when they won't be allowed to take the card from you anymore when Oct 2015 rolls around. Expect every place to get customer facing terminals except for sit-in restaurants. These customer facing terminals generally have NFC built in.

 

[JayLenochiniMac]

Starbucks still takes the card from you, and doesn't have an NFC terminal...yet. I'm sure they will soon when they won't be allowed to take the card from you anymore when Oct 2015 rolls around. Expect every place to get customer facing terminals except for sit-in restaurants. These customer facing terminals generally have NFC built in.

I believe there's an EMV transition period where they'll be allowed to accept both chip and pin and magnetic stripe cards after the liability shift date on October 2015.

 

[deeddawg]

Expect every place to get customer facing terminals except for sit-in restaurants.

When do you anticipate sit-in restaurants will shift to portable terminals for table-side payment?

I believe there's an EMV transition period where they'll be allowed to accept both chip and pin and magnetic stripe cards after the liability shift date on October 2015.

As I understand it, as of Oct 2015 it becomes a matter of liability goes to whomever has the least secure payment method for swiped transactions. Customer has chipped card and merchant doesn't have an EMV terminal, liability is on the Acquirer. Customer hasn't received a chipped card from their Issuer and merchant does have an EMV terminal, liability is on the Issuer.

What I'm not sure of is what if customer has a chipped card but still swipes it on an EMV capable terminal? Who bears liability? If the Acquirer, then it will be interesting to see how they incent the merchants to change customer behavior. Also how will the Acquirers be inducing their merchants to replace terminals with EMV capable units? Will it be a fee structure change? Or will agreements push liability down to the merchants if they don't?

 

[dontwalkhand]

When do you anticipate sit-in restaurants will shift to portable terminals for table-side payment?


As I understand it, as of Oct 2015 it becomes a matter of liability goes to whomever has the least secure payment method for swiped transactions. Customer has chipped card and merchant doesn't have an EMV terminal, liability is on the Acquirer. Customer hasn't received a chipped card from their Issuer and merchant does have an EMV terminal, liability is on the Issuer.

What I'm not sure of is what if customer has a chipped card but still swipes it on an EMV capable terminal? Who bears liability? If the Acquirer, then it will be interesting to see how they incent the merchants to change customer behavior. Also how will the Acquirers be inducing their merchants to replace terminals with EMV capable units? Will it be a fee structure change? Or will agreements push liability down to the merchants if they don't?

The EMV terminal will not accept swipes from a chipped card once the liability shift goes through. It will state "Card must be inserted"- if the chip fails, it'll allow a swipe, indicated by an "F" on the receipt meaning fallback, in this case it'll still be covered. However if this happens the cardholder should call the bank and get a new card.

 

[thatisme]

Ive used pay at Walgreens, Home Depot, Subway and it works like a charm. As others have stated, the NFC icon doesn't always appear on some terminals (Home Depot and Subway) until you indicate the method of payment as CREDIT, then the symbol will show on the screen.

 

[deeddawg]

The EMV terminal will not accept swipes from a chipped card once the liability shift goes through.

Excellent explanation, thank you.

 

[JayLenochiniMac]

The EMV terminal will not accept swipes from a chipped card once the liability shift goes through. It will state "Card must be inserted"- if the chip fails, it'll allow a swipe, indicated by an "F" on the receipt meaning fallback, in this case it'll still be covered. However if this happens the cardholder should call the bank and get a new card.

I think it's more than that. I have the Coin card on order (primarily to reduce the number of physical cards I have to carry while I use Apple Pay whenever possible) and they say it'll still accept swipes after the liability shift goes through. The merchants will still not be liable if they have the latest EMV terminals but the customer presents them a traditional magnetic stripe card.

From the Coin card FAQs:

Q. Is my Coin going to work after the liability shift date on October 2015?
A. Yes! Because of the acceptance of Chip-and-Signature during the US' EMV transition period, Coin will continue to work.

 

[dontwalkhand]

I think it's more than that. I have the Coin card on order (primarily to reduce the number of physical cards I have to carry while I use Apple Pay whenever possible) and they say it'll still accept swipes after the liability shift goes through. The merchants will still not be liable if they have the latest EMV terminals but the customer presents them a traditional magnetic stripe card.

From the Coin card FAQs:

I don't think it'll work, the magnetic stripe on chip cards contain Service Codes that will not allow the card to be swiped unless deemed necessary. Coin seems like it's all vaporware, and emv will kill it. Chip & Signature and Chip and PIN is no different than each other, just the CVM on the chip is different. They both will demand an insertion.

More than likely what'll happen when you swipe the Coin card is "Card must be inserted"- and then you'll be left in the cold because you didn't bring the card with you. Hope they take NFC

 

[iapplelove]

I don't think any companies that were official partners have "pulled out" -- it's just the that some of the companies that had NFC readers in place that happened to work with Apple Pay decided to disable use of the readers due (apparently) to their agreement with CurrentC.

pretty much this.

 

[deeddawg]

From the Coin card FAQs:

There's also:

Q. When I get an EMV card, will it work with my Coin?
A. EMV card compatibility depends on the point of sales (POS) system requirements. If the POS requires that you insert a card with a chip instead of swiping, then Coin will not work. If the POS only requires a swipe then Coin will work.

I anticipate we'll see the issuers sending out new chipped cards to their customers during 2015 to replace existing cards. Then as dontwalkhand stated earlier, EMV terminals will not accept a swipe, forcing insertion. Just speculation on my part, but it's what I'd expect given the available information.

 

[JayLenochiniMac]

There's also:

​

I anticipate we'll see the issuers sending out new chipped cards to their customers during 2015 to replace existing cards. Then as dontwalkhand stated earlier, EMV terminals will not accept a swipe, forcing insertion. Just speculation on my part, but it's what I'd expect given the available information.

That's a good point. It isn't clear at what point during the transition period the Coin card will cease to work and the website doesn't say. However, they did mention that they're working on the next generation EMV-compatible Coin card, which will replace magnetic stripe Coin card so we'll see.